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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,350 | $22,602-80.8% | $65,566-93.4% | $75,173-94.2% |
| Participation rate | 83.3% | 63.1%+20.3pp | 64.9%+18.4pp | 67.2%+16.1pp |
| Annual return | 75.76% | 71.13%+4.6pp | 47.40%+28.4pp | 160.72%-85.0pp |
| Employer contribution / active EE | $1,245 | $941+32.3% | $1,692-26.4% | $2,671-53.4% |
| Participant deferral / active EE | $2,378 | $1,695+40.3% | $2,832-16.0% | $4,126-42.4% |
| Admin fee / account holder | $504 | $1,877-73.2% | $4,114-87.8% | $5,651-91.1% |